The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$1,742
−HK$109/mo
▼ 0.25% · 3.875%
HK$1,796
−HK$55/mo
Today · 4.125%
HK$1,851
baseline
▲ 0.50% · 4.625%
HK$1,963
+HK$112/mo
Deposit HK$382K · loan HK$382K · min. income ≈ HK$3,702/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,937
−HK$105/mo
▼ 0.25% · 3.875%
HK$1,989
−HK$53/mo
Today · 4.125%
HK$2,042
baseline
▲ 0.50% · 4.625%
HK$2,150
+HK$108/mo
Deposit HK$382K · loan HK$382K · min. income ≈ HK$4,084/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,090
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,155
−HK$66/mo
Today · 4.125%
HK$2,221
baseline
▲ 0.50% · 4.625%
HK$2,356
+HK$135/mo
Deposit HK$306K · loan HK$458K · min. income ≈ HK$4,442/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,325
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,387
−HK$64/mo
Today · 4.125%
HK$2,451
baseline
▲ 0.50% · 4.625%
HK$2,580
+HK$129/mo
Deposit HK$306K · loan HK$458K · min. income ≈ HK$4,902/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,438
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,514
−HK$77/mo
Today · 4.125%
HK$2,591
baseline
▲ 0.50% · 4.625%
HK$2,749
+HK$158/mo
Deposit HK$229K · loan HK$535K · min. income ≈ HK$5,182/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,712
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,785
−HK$74/mo
Today · 4.125%
HK$2,859
baseline
▲ 0.50% · 4.625%
HK$3,010
+HK$151/mo
Deposit HK$229K · loan HK$535K · min. income ≈ HK$5,718/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,135
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,232
−HK$99/mo
Today · 4.125%
HK$3,331
baseline
▲ 0.50% · 4.625%
HK$3,534
+HK$203/mo
Deposit HK$76K · loan HK$687K · min. income ≈ HK$6,662/mo (50% DSR)
Upfront cash ≈ HK$76K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,487
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,581
−HK$95/mo
Today · 4.125%
HK$3,676
baseline
▲ 0.50% · 4.625%
HK$3,870
+HK$194/mo
Deposit HK$76K · loan HK$687K · min. income ≈ HK$7,352/mo (50% DSR)
Upfront cash ≈ HK$76K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).